SPORTS

My adventurous journey of hating  sports until 30 years of age TO playing 30 to 50 hours of sports in a week  and then TO giving up on sports again.

Playing sports is almost next to crime where I was born and  grown up. Those who show interest in playing sports are perceived by school teachers as not so smart ,  cannot do academically better , can’t make a decent living and may become useless through out their life. When the entire society, teachers, friends and everyone around carry this  feeling since the birth of man kind, me too has grown up with same values and always focused on books . I loved hating sports n those who play in those days.

After my studies , my first job was in Japan and then in Europe, Australia. Despite of these places having great sports culture and living there for many years I never made any friends who play sports n haven't played any sport. I was still having  same feeling towards sports, as smart people don’t play sports. 

And then Singapore and Murex happened in my life. As I make more friends at work and share life experiences , everyone whom I think as smartest and most intelligent at work and in general, all of them are exceptional in one or many sports and has lot of achievements to their credit in sports too. Foundation of my belief system got shaken, everything I used to believe for 30 man years about sports seems to be incorrect. The more I interact I started changing my opinion that sports will help to activate dormant part of the brain and body which may help to be more smarter and live quality life. Back then my fitness also at its lowest level, getting sick often , physically weak. I was 30 years.

Which sports to Consider:

So I decided to play sports but no idea how to start and which sports to consider. Started with cricket , which is easy being Indian. It took few weeks just to bring so many people together for  one game and after so many hours of waiting hardly I got a chance to play. Cricket is not working for me.Changed to badminton as it needs  2 or 4 players and coordination may not be a problem, also thought that its easy to control shuttle cock and anyone can hit. 

BADMINTON: How did I learn:

Then struggles began. I have no skills in this sport, good players I know are not interested to play with me for my beginner skills. Started playing doubles so that I can play under the shadow of good players. I was always on the losing side and I am useful only for others to feel superior by thrashing me. Thought of going for training but its so expensive and it takes lot of time to go through a full course of the programme, from 3 to 6 months. I am still motivated and want to master the sport with out spending even a dollar on training and with shortest possible time. YouTube having thousands of videos and instructions, not sure which technique is right and which one works for me, not a good idea to follow videos. Getting restless and not finding any direction.

Once a taxi driver told me that he studied BODY MECHANICS but not much career options for that in Singapore, its about how to move different parts of the body for a particular activity. That was just casual  interaction but later I realised I should know what parts of the body movements are required for badminton. Then I subscribed to Racket channel which telecast badminton all through the day. I was observing only body parts movements and didn't care about anything else like shuttle cock or racket etc while watching game on tv. This process was so interesting, understood that badminton is about wrist movement and just one step from the centre of the court is enough to reach every part of the court. I was just practising this wrist movement every time whenever my hands are free and forming MUSCLE MEMORIES. This process worked like a magic and my game improving exponentially. Entire process took me four months to become fully comfortable with the game. Started enjoying the game and playing it almost everyday after work with so many people. Moved from doubles to singles as I will not have anyone to complain for my losses and it requires lot of stamina too.

With in 1.5 year time I played with around 200 players or more of various nationalities , players with international standards n those who played at national level, 12 years old kids. Participated and won at many tournaments, conducted tournaments . Except taking badminton as profession, I was putting every effort of a professional player. Giving it back time, defeating and dominating all those who didn't show interest initially with respect, so many memories and 100's of players became friends.

In this entire process learned so much about my self, my abilities, my temperament,honesty, focus, determination, team spirit ,  stamina, endurance, hard work, passion for things I chose, inexpensive ways of learning, appreciating others, success, learning from failures, celebrations, style in the work I do, uniqueness, observing and continuous learning, positive attitude, helping others. My world expanded so much and quality of life improved and so many better things. Life is also being nicer to me and good things started happening in life. Everything I learned at sport having positive impact on my work life too.

TENNIS:

Saturation in badminton then moved to tennis. Process is same, subscribe to tv channel, observe body movements of players, form the muscle memories (this time its shoulder movement ) and slowly build up the game. For tennis its relatively easier because one can practise on their own with a basket of balls or ball machines, no training needed.  Started playing tennis even crazier than badminton, both before and after the work every day, starting from 4 am and hitting balls when there is no light in the court. In less than 3 months learned tennis to a level which made me comfortable to play with anyone. 

Tennis also gave me so many things in life so is all other sports I played later , 100's of contacts , so many freebies for international tennis events and top level contacts, watching Roger Federer and all the best international players as a vip, gala dinner invites ,WTA events tickets, and may be life time free tickets for international events in Singapore,which otherwise would have costed me thousands of dollars.All this because of my association with people which I formed though my sports skills. 

SWIMMING

Then swimming, learned it in four days of time. For swimming focus was on breathing, practised breathing inside the pool for many hours and fourth day I was able to complete a lap inside olympic size pool without break. This is the shortest learning experience.

Table tennis,Squash, Rowing, Running.  Learned every sport for 3 to 6 months time without spending a dollar.Body building ( hired a personal trainer for this), this is the only I spend a bit of money for training.

GOLF

And finally GOLF, best of all . Most challenging game of all the sports I played. Those who think that its lazy and slow, give a try and then think again. It tests every aspect of person abilities and character. I am in love with this sport and learned it with practise from 3 am at kids play area swinging empty club. In one year of weekend play without any training I am able to play below 100 which gives me decent acknowledgement and appreciation in golfers world. I have so many memories and able to reach many levels of people with golf, my first prize in golf was three months after I start the game at a prestigious tournament. In my last golf tournament few weeks back I won prizes in all the three categories in one game ( longest drive, closest to pin and gross score) which is not easy to repeat again for me.

Playing 5 to 6 hours during every weekday and 15 hours at least on a weekend . Thanks to many sports clubs and great skillful players I know in office, where lunch time sports is allowed. Not sure how many such companies exist in the world. Played sports with so many colleagues from each department in the office and know all of them personally now.

My typical weekday starts with gym and swimming before work, Badminton or golf practise or rowing during lunch and tennis after work. Weekend- tennis for 2 hours, squash or badminton for 2 hours,swimming for an hour , golf for 5 hours.

Time management:

With lot of time requirements for work ,family and sports in this priority, every half an hour of day is very important. Cant afford to spend time on non important things. Two things I hate in life are spending time to eat food and sleeping. Reduced my lunch time to 10 minutes with food packed from home,I sleep 3 to 5 hours a day based on requirements of the body. Getting out of facebook helped me a lot to save quality time, minimise internet usage or completely get away . Don't enter into useless discussions, do not think about others or their life not even a minute, no gossips, have only positive thoughts always all the time. All these helped me pursue my sports career for  four years. Day starts between 2 to 3 am and go to bed at 10 PM.

Sports portfolio: 

My portfolio of sports spanned over 5 years - very good levels in badminton,tennis, golf, squash, swimming, billiards and decent levels in table tennis, gym, running , rowing , wakeboarding, rock climbing, basket bal. Never got injured even once in all these years. Was running some training sessions also to teach sports for others. Thats about my sports career. Its not the same me whom I know 5 years back, completely transformed physically and mentally. Became part of many cultures and tons of players and their families became friends . Without Murex and colleagues , I should have never had this amazing eventful sports journey in my life. Me and my 1000 generations of grand parents families are indebted to Murex forever for giving us a family member who can play Golf and other sports.

What next:

Without wife sacrifices and  contribution to family I should have stopped at badminton. Swapna thinking that I am addicted to sports now, where as sports just happened by chance in my life. Quitting sports for sometime. Going to university on weekends, hoping to learn something new and entertain my brain, super excited.

Aarav Shaurya

Last 10 months  of my journey towards bringing a child into this world is incredible. After 3 years in married life when we are confident enough to bring up a baby, it all began with great excitement when we come to know about the pregnancy, still and always remember sparkling eyes of wife with full of happiness calling everyone back at home and sharing the news. First three months was uncertain until doctor confirms that everything is fine with the baby after few rounds of check up’s. A bit relieved and began preparing for the next 6 months. Has to be very careful in every walk of wife’s life during the initial months. One of my dream in life was to be with wife all the time during her pregnancy until the delivery and go through life’s beginning process. Swapna insisted to be with her parents  during this period as I may not be able to cope with the situations and any unforeseen things which may happen but I won her after lot of discussions. 

4 to 7 months was not as tough as beginning and  final months. Then delivery is just 2 months way and had to plan and arrange every thing like choosing the hospital,prepare for emergencies, attending baby care seminars,baby and mother needs post delivery so on... Back in mind lot of tensions about delivery whether everything will happen smooth or not etc…. As delivery date reaches woman goes through lot of difficulties in getting sleep, in eating and in every step.  Swapna managed everything perfectly with her will power, she even played a bit of tennis just the day before her delivery. For all the sacrifices she has done in this time and seeing her in most painful situations, in return all I can do is just obey whatever she says forever.

Now its time to admit Swapna to hospital. Slowly her pains aggravated and for 4 hours  its continuous unbearable pain in the hospital bed. Another 5 difficult hours in the delivery room going through various stages of labor. During the time to push the baby out also, I chose to stay by her side in the delivery room. After another one hour of extremely painful and most difficult times both for doctors and Swapna , baby came out. When the baby entered the world ,was looking as if just out of blood bath. The life has just begun.

Baby coming out of mother womb, Swapna’s waiting moments to see the baby when the nurse cleaning baby,  doctor trying to stop the blood flow, helper cleaning the blood in the entire room and me became blank for few seconds after seeing all this process for 10 hours --- Everything is going to remain in my memory forever.

Taking care of pregnant is not an easy thing for me, swapna managed most of things  on her own and working until a week before delivery. Truly family like working environment , in-laws support,great friends at work and their wishes with actions was a big plus for me in these times.

Observed life from the size of a grain during second month to seeing the baby in 9 months. This entire duration and delivery process was a life time learning for me and is going to drive my life, my thought process for the future. Difficult times every woman go through to bring a baby into this world is the most painful process that I have ever known and the greatest achievement than anyone else would have achieved in this world according to me. Every human coming into this world go through a similar process before birth so everyone is equal right from the birth and all the divisions we make among us is just illusionary or selfish, never created by whosoever is the creator. 

After seeing labor process closely, every female is looking like greatest achiever and every male is son of greatest achiever, this thinking is going to make me love everyone I meet in my life more than ever irrespective of how others behave with me.

We named our baby boy “Aarav Shaurya” and our journey began from June 18th to bring up Aarav.

I hope that Mr.Shurya will consider sports as  career by his own will.

Trade Life Cycle

This post is strictly for those who work in Finance domain.

Someone in a common forum asking for brief information on “Trade
Life Cycle”, feel like helping her and to others who may be in need, so spend
few hours late night to write down the below. It’s 4 in the morning, weekend n
badminton awaiting. Trade Life Cycle such a huge topic where few days not
enough to discuss, finally managed to put it down in 3 pages.

====================================================================================

Hi,

I am going to correlate Trade (aka Deal) Life Cycle
with a real life example. Throughout this explanation assume that you are “Owner
of Electronics Shop”, I will explain “Trade Life Cycle” from your perspective.

FRONT OFFICE

A customer (assume me)want to buy Television, searching for
better shop on the street, when I am near your shop, Few people invite me in, making me comfortable in the shop,
finding my requirements, showing different Tv’s etc.. I keep asking for price
by changing my inputs like TV model, screen size, resolution etc, Obviously
your people will give me different price based on my inputs.

---------------- FINDING VALUE OF TV (UNDERLYING) BY VARYING
MY INPUTS IS PRICING. Few people
involved here are SALES PEOPLE (Who just arrange transaction with some
margin) or TRADERS who work for your shop

Now I have finalized my TV, informed my choice, your people will
enter the transaction in your system (TRADING SYSTEM). ----- This is DEAL
BOOKING

MIDDLE OFIFCE

You will arrange your people such that one person will give price,
another senior verify it before final confirmation, this is to avoid any misuse
either by chance or choice. People arrangement process here is “Validation”
process. (If you don’t have validation and if sales person is my friend, I may
get IPAD for 15 Dollars).

Quite often you will hear something called 4 EYES
Principle, means one person (2 eyes) will give the price and another person
(another 2 eyes) will verify/validate/Reject. This verification can go up to
many levels depending on the amount or complexity of the transaction.

(Here your people need some reports for better risk
management and validation, like ‘average price selling for different TV’s’,’
today’s market rate’,’ customer transaction history’ etc..) – ALL THIS
PROCESS IS RISK MEASUREMENT AND MANAGEMENT

BACK OFFICE

After your people validate the deal, they confirm to me by
giving me automated “Bill(Confirmation, some times invoice also together)” in paper form- This process
is called “Confirmations Generation(HTML,ISDA,SWIFT)”

I will verify everything mentioned in the invoice and will acknowledge
the transaction (This case just nodding my head). After receiving my acknowledgement,
then only this transaction is fully confirmed.

I will pay money and you will deliver TV set. (Delivery
Vs Payment). -Payment process.

This is not the end of “Transaction”. Your shop
have exchange/replace/return policies as well right?

Market Operations:

I went home and no one at home likes the TV, so I come back to
your shop and wanted to “CANCEL” the transaction. (Or)

I want to give TV back and buy another TV --- CANCEL AND
REISSUE (Or)

After few days, I have technical problems with TV set – RESTRUCTURE
(Or)

I want to sell it off to you after some time – EARLY TERMINATION
(Or)

Warranty is reached and you don’t want to entertain any
activities related to this TV –EXPIRY (Or)

Suppose if I buy many other items along with TV and sold
some of old stuff, you will net all of them and will give me final amount to
pay, instead of individual bills- NETTING

Depending on the underlying transaction, you will have many
market operations

OTHER
IMPORTANT MODULES OF DEAL LIFE CYCLE(OR SYSTEM LIFE CYCLE)

Accounting:

Accounting is ledger maintaining all the payments happening (or
going to happen [Mark to Market]) by department wise or for entire shop
(Entity) and it comes as part of back office.

Your business has grown and you want to manage Tv’s accounts
separately, TV department is one Accounting Section , like that you may
have multiple accounting sections for different units.

Fixings and Payments:

Suppose if you sell TV in installments, amount to be
received for every installment is dynamic and is based on the interest rate of
that month, so every month you have to FIX the interest for that deal,
so that corresponding payment will be generated. Fixing is part
of back office process.

Market Data:

When I come to the shop for TV, your people giving me price
for TV. You sell so many goods and every day price may change for all of them.
No one come and by hard price every day morning right? , also for fixings etc…you
have to get data from somewhere before your shop opens, This is what called as Market
Data (Reuters and Bloomberg are the famous market data providers in finance)

Profit and Loss:

You don’t sell TV for fun right? You want to make some money
out of it. You would have bought TV somewhere at least few days before, it means

1. You
made investment,

2. Interest
on the investment,

3. Inventory
cost

4. Profit
for you

Everything you will include while selling TV. PnL,
its nothing but subtracting your total cost from the selling price.----------
Front office

Simulation:

If I have to say “Simulation” in technical terms, it’s like “Group
by” column of SQL queries n running “What If” scenarios on your
business. Some of the outputs of simulation are “PnL of TV Dept”, “PnL
of Sony Brand”, “what will happen if TV prices go down by 5%”, “if
you have loss which Hedge deal can cover your loss “etc,so on……., Recap “Monte
Carlo Simulation” of college days.—Front office activity

Reports:

Your frequent customer may want a report all the
transactions made in the last one year. You need reports to see the PnL of different
sub sections or Entire shop etc. You need reports for income tax , for
auditors, for risk management etc…--Mainly for Middle Office purpose.

Clearing and Settlement:

If you hire some third party organization to collect your
money from your customers and to pay your money on behalf of you. ---- It’s a Back
office process

Nostro Management:

Every month you need to have funds to pay salaries, to
maintain your shop, to purchase goods, to maintain inventory. TREASURY
department make sure that you have enough funds in your bank account (NOSTRO), keep
filling NOSTRO accounts to have enough money always in your bank accounts.

End Of The Day

For today end of the day is after 24 hours, similarly
trading system also has similar process. End of the day for trading
system means, preparing system for next working day. Similar to rearranging all
your shop after you close your business and making sure that market data etc…available
before customers comes to your shop next day ( Changing system dates and
copying market data to the next day etc….).

So Deal or Trade in the above entire episode is “SELLING
TV” from your perspective, from my perspective “BUYING TV”. Its very
important to understand the context while getting requirements or while
speaking, meaning completely changes depending on the context. While working on
a trading system, always look at the information in the system from “BANK’S
PERSPECTVE”.

Straight Through
Processing

Purpose of STP is reducing manual intervention and increase
the automation. Starting from the entering the deal in the system till its
expiry, we can automate many steps of life cycle using workflow managers .

Assume that you are have multiple shops in the same city
then expanded to another city, state wide, country wide and international
company. Now you have 1000’s of shops worldwide and you have to maintain all
the transactions happening in your shop. That’s where different Trading systems
come into picture to automate Deal Life Cycle, to Calculate risk, to put limit
checks make sure that you never encounter loss.

Understand basic trade life cycle, you can ask me any
questions of any complexity for any hybrid product in any area of deal life
cycle.

DEAL LIFE CYCLE PROCESS MAY
VARY BASED ON THE TYPE OF PRODCUT.

Salaries

Most of the discussions on or off the work place directly or indirectly related to salaries. Points of discussion vary from ‘he must be earning x amount of salary’ to ‘this fellow doesn’t deserve this much salary’ etc… most of the tea time discussions focused on earnings.

Everyone individual ranging from Anil Ambani to Anil Polineni is having their own struggled past to sustain at a certain level or to make a living .In most of the cases, after 10 to 15 years of persistent hard by the virtue of god, virtue of manager, virtue of market condition, virtue of company’s growth, virtue of colleague’s support and luck by chance, life may give an opportunity for an individual to start and continue to earn few rupees or dollars or whatever the form it has.

I have seen days where my villagers used to exchange grown crop for most of their needs and all the life’s requirements was managed very well with that exchange process, for education also we used to pay rice etc...Even if few had little money that was just static in their pockets, there was never a need for money around 18 years back in and around my villages. I clearly remember the transition from crop exchange to money exchange, reason for this transition was the brokers who came in between, now money needs has grown leaps and bounds even in villages and its obvious that money is the only medium of exchange for everything.(1) The point here is money itself was never there and it was never a requirement, it was just created by us to exchange requirements.

I am sure everyone feels happy if we help a person with in our capabilities. Small example if someone is in very much need of a seat in train or bus while travelling, most of the people offer their seat, and the satisfaction we get after offering seat is enormous . (2)Everyone likes to help others if that helping process not impacting us in any way, there are exceptional people who compromise on themselves to help others.

Every human have their self defined lifestyle and all of us work only to fulfill defined life style. Life style of a beggar is eat food and sleep, so he just needs daily salary to eat food. Life style of common man is pay rent, fulfill the responsibilities of parents, brothers, sisters, dependants etc and save some money for future if possible. My life style is have enough money to live the life for next one month. So called rich also have their defined needs and pain is more if the rich life style is not fulfilled (3) Every life style requires monthly or daily salary to fulfill their defined minimum needs.

We see the people who don’t know anything that person’s back ground, his struggle in life, his responsibilities but cry or crib on his/her salaries on and off the work. Typical comments are ‘This guy earning that much without doing anything’,’ why should company pay this much for this stupid fellow’, ‘ what the hell he/she is doing sitting in that position’, ‘this manager just take huge perk without much work’. To find a group who sing chorus with these kind of comments is easy and start their actions to their possible limits. On personal front I saw people who forcefully ask salaries and start their consequent actions like pulling your legs if they believe that you don’t deserve that much or if they think that you are above them, showing too much interest in knowing others salaries. It even happens between own sisters and brothers who feel jealous of each other’s earnings. First thing most people want to know when you call abt a new job is earning capabilities, when I met a classmate after 10 years ,first two questions he forced me to answer was me and my wife salaries. When I asked few colleagues about the reason for showing interest to know others salaries weird answers like ‘want to know where I stand in the market’, ‘want to know my position in the company based on others salary’ etc…not even a single valid reason.

When it comes to myself I can assure that you never find me showing interest for others earnings, I don’t initiate a discussion about salaries to satisfy my ego, I don’t even clearly know my wife salary.

When I was in my previous company, 2 people felt that I am getting more than what I deserve and started a meeting in McDonalds , invited others for support to complain against me, if they use that time to clean toilets in McDonalds atleast they would have made some money to themselves. By chance if someone earning more least we may do is observe and learn from them rather than try to pull them down. If anyone try to pull others do remember that they are above us that’s why we are trying to pull down.

Everyone’s feelings in this world look valid to me except the people who discuss on others earnings or who pass sarcastic praising. Read points 1, 2 and 3 again, you agree with me that everyone is earning just to fulfill their defined minimal needs and everyone wants to help others. So discussing on others earnings is nothing but trying to take away others happiness or trying to push others into problems intentionally. We can enjoy the real happiness of appreciating others and opportunity to learn from others be it relatives of friends or colleagues if there is no place for others earnings in mind. By saying all this I am not excluding myself, I am also part of this jungle.

Missing

After my fifth standard I was forced to study high school at my mom's parents place. I still remember how much I cried for being away from parents.I used to go to lonely place, cry for an hour and come back to hell.It was mentally intoxicating to stay away from parents and village with the limited attachment I had with them.Today when I look back those memories are very funny.

Parents in-laws are here in Singapore from the last one month, wife had the best time with them. Starting from how to cross signal in foreign land till she gives sendoff at airport she took care of them like her children, wife's parents scolding her with pride for teaching even small things of life just like they did in her childhood. Long hours of discussion, late night sleeps, roaming around the city, movies , small fights in between ,theme parks anything and everything in Singapore most of the times three of them enjoyed, I was just providing my support to them and playing the role of audience. Today they just left to India, when I was observing wife's feelings at departure gate she was missing them just like me in my childhood but with more intensity.

Came back to home, home is full of silence,wife is hardly replying to me, she went to the room where they spent most of the time, crying alone, its reflecting my childhood days, all I am doing is letting her to drop down all the tears as she will treasure them forever, when she is still not stopping I entered into altercation for a small thing to divert her attention but thats not giving any result,now just sitting and talking to her some nonsense.

Being a husband I don't think I can ever replace parents love and affection, parents love is unconditional , where as husband's love start with need and grows with time depending on thinking of the person, it will take a life time to match with parents, will continue to understand and improve on this.

Wife's parents will be reaching India midnight Singapore time and she is not going to sleep until she hear their voice from India. The least I am doing is be with her, talk some nonsense and write this blog while she is watching the tv. I am off to India day after on business trip, has to do something tomorrow to bring back wife to mechanical life we have chosen profoundly.

India visit

One week visit to Bombay as part of work, excited about the trip as it was first time for me in business class travel and the best hotel facilities there. Requested wife to join me but she didn't accept.

Reached Bombay on Sunday morning, Me with three other colleagues went for a city trip in taxi, at most of the places there is huge difference in entry price for foreigners so colleagues didn't show much interest not that they can't afford, I didn't understand the logic behind this high price, when I asked the same to the people at the counter they also don't have any clue :-) With my memory I didn't remember any such price difference in any foreign land I have visited.Gandhi's museum, a good place to revisit my history knowledge and to take something back with me while leaving the place.

My father in law came to Mumbai all the way from Andhra for a day to see me, travel time to Bombay was 20 hours one way to him where it was 4 hours for me from Singapore, it was so touching, these are the precious moments one get through out the life if you don't take dowry,had good time with him.I can feel that he is missing his daughter too much more than me. Requested him to come to Singapore soon, he accepted.

At work, made so many good friends and met senior people of the country. Get opportunity to meet very talented people and the market makers.Not speaking much about the work as I am not supped to do so.While interacting with them came to know that all of them made entry to that place after clearing toughest exams and interviews of India. One woman who made impact one me was Sucharita mam, being a woman managing so many things and people effectively with passion. When I told the same to her, she just smiled.Mam I learned many things from you in this week. One week just passed like that, while leaving the place it was a bit painful to leave all the wonderful people, I do miss them.

Farewell to Uday yesterday who is leaving to UK for work. Uday, nice and intelligent guy, around three years back when he came to me for a suggestion about his work and career , I became the reason for him to enter into Murex consulting area ,at that time he took the bold decision of quitting high paid job and joined this for a lesser salary, he is going to enjoy the fruits of his risky decision now.


Wife booked badminton court for me and my friends by the time when I am back, had tiring badminton,now going for a telugu movie "maryada ramanna" as she decides and I follow:-), already started scolding for not getting ready.

Money-Phase2

After going through worst experiences with money, I told to myself that when I start earning, money savings should never control me-my thoughts-my actions. I wanted to enjoy every bit of life without thinking too much about so called security and with out loosing control on my responsibilities.Mine is a hyper active mind, always thinking about so many impossibilities and irregularities of life,never allow myself to think on savings. I do think abt earnings but never on savings, unfortunately most of the times pay is the parameter for judging the talent of an individual, I love to create too much wealth if possible for my capabilities with honesty but never earn just for saving. I have been working for 5 years,my wife scolding me literally for not having any savings for myself, giving everything to those who helped me or to dependents .Definitely I am not sacrificing anything here, I am spending the way I like.All that I need in life is prediction for next one month earnings and medical insurance, that itself is my savings, the moment I get monthly salary I disperse it everything on the first day itself keeping something for my next one month so that I utilize my time for better things in life.My dependents are of highest priority , today its family and known people urgent needs with out expecting returns, after sometime family and something else.

But its not easy to get acceptance for this kind of behavior from family that to after going through struggles for money, so lot of sweet arguments and suggestions from family which I pretend to follow.


After clearing all my loans, one day me and my friend was going on a bike,we stopped at a beggar in Bangalore, I gave him my ray ban glasses and around 8000 rupees, that beggar didn't understand whats happening,after few seconds he throw the glasses at us and ran away with the money. I broke those glasses recently when I fought with my wife :-), another fight going to happen after this blog if saps reads it, as I didn't tell this to her till now :-)...


Few days back when my uncle applying for my tax returns on behalf of me in India through an agent, that accountant told that "sir , I haven't seen this kind of person in my experience so far who doesn't have any savings for this pay and paying this much extra tax etc......"., another round of class from wife...

It's not that I don't care for money, I love money only till I earn but not to hide it. Create wealth not just for myself but for people who trust, may be I am going to end my life with this thought and its subsequent actions.

Now so called great friends and well wishers and their behavior after earnings and salaries .....coming soon :-)...